Would you buy a credit score that lenders don’t even use? Check it, when Consumer Reports went over the the fine print, Experian’s “VantageScore” says that it’s “for educational purposes only.” And their “PLUSscore” is “not currently sold to lenders.” What good does that do you? None. It’s just something for them to market and make money money off people who don’t know any better.
Even the FICO score isn’t the be-all and end-all of your credit-worthiness. Lenders look at lots of different factors, and each has their own underwriting criteria, and in-house models for scoring borrowers. You’re better off worrying about getting your credit report in order. Get that fixed up, and all else will follow. Best of all, you can get your credit report free once a year from each of the three bureaus at annualcreditreport.com.